|
RSA Viator Expatriate
|
IMG Global Medical | |
|---|---|---|
| Overall Maximum Limit | $1,000,000 CAD | $1,000,000; $5,000,000 or $8,000,000 USD |
| Eligible Countries of Citizenship | Canada | Any country |
| Covered Areas | 1. Worldwide; 2. Worldwide excluding the US | 1. Worldwide; 2. Worldwide excluding the US, Canada, China, Hong Kong, Japan, Macau, Singapore, and Taiwan |
| Duration Options | 6 months, 9 months, 12 months | Annual |
| Emergency Medical | Reasonable and customary costs | Reasonable and customary costs |
| Outpatient Services | $10,000 per injury or sickness | Bronze plan: $300 max per visit for lab tests; $250 per visit for diagnostic xrays; $500 max limit for specialists/physician charges Silver plan: 25 visits with coverage limits for specific expenses Gold & Platinum: reasonable and customary costs |
| Local Ambulance | Reasonable and customary costs | $1,500; or reasonable and customary costs (depending on plan) |
| Hospital Accommodation | Reasonable and customary costs (semi-private room) | Reasonable and customary costs (semi-private or private room, depending on plan) |
| Emergency Evacuation | Reasonable and customary costs | Bronze and Silver: $50,000 maximum Gold & Platinum: up to lifetime maximum limit |
| Prescription Drugs | $10,000 per injury or sickness | Bronze: $600 outpatient maximum limit per event Silver: 90-day supply per prescription Gold: 90-day supply for outpatient only Platinum: 90-day supply in all cases |
| Check-Ups | Not covered | Adult preventative care: Gold $250; Platinum $500 per period of coverage Child preventative care: Silver $70 max per visit, up to 3 visits per coverage period; Gold - $200 per period of coverage; Platinum $400 per period of coverage |
| Maternity | $5,000 for hospitalization (due to complicated maternity only) | Platinum: after 10 months of coverage, $50,000 lifetime maximum - $200 max newborn preventative care; $250,000 max for newborn care & congenital disorders; $2500 additional deductible per pregnancy |
| Dental | $5,000 per injury for dental accident | Dental Injury: Bronze & Silver - $1000 per period of coverage for dental injury; Gold & Platinum – up to lifetime maximum limit Dental Pain: Gold - $100; Platinum - 100% Non-Emergency Dental Accident: Gold - $500; Platinum - $750 |
| Mental/Nervous Conditions | Not covered (unless hospitalized) | Silver: Outpatient after 12 months of continuous coverage Gold: $10,000 after 12 months of continuous coverage Platinum: $50,000 after 12 months of continuous coverage |
| Organ Transplants | Not covered | Bronze & Silver: $250,000 Gold: $1,000,000 Platinum: $2,000,000 |
| Vision | Not covered | Platinum only: $100 for exams & $150 for materials in a 24-month period |
| Optional Riders | None | Global Term Life Insurance, Accidental Death & Dismemberment (AD&D), Terrorism (Platinum only), Sports (Gold & Platinum only), Dental & Vision (Bronze, Silver & Gold) |
